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DentalPlans.com is an alternative to traditional dental insurance. The Florida-based company offers alternative coverage options for people , families, businesses, and groups. With over 100,000 dentists participating in their plans, they’re a viable, budget-friendly option for dental insurance.
I choose DentalPlans.com together of our top picks for dental coverage. DentalPlans.com is a solid choice when you’re considering a dental savings plan because of their extensive network of participating dentists that cover nearly all 50 states, low membership fees, high rate of savings and top-notch customer service.
Most dental insurance plans have low deductibles and reasonable monthly rates, but even have downsides like a $1,000 to $1,500 yearly limit on covered dental work and waiting periods of up to 12 months before any major procedures are approved.
If you can’t await costly dental treatments, a DentalPlans.com plan comes with a giant network of over 100,000 dental service providers with savings from 10 to 60 percent. All of this comes with no waiting period and low annual fees that range from $100 to $200, depending on your location and therefore the number of individuals you’re covering.
How does dental insurance works?
Dental insurance plans are aimed at reducing the cost of dental care. Providers often negotiate lower rates with dentists within the network, and payment ( “cover”) a percentage of the reduced rate. You pay the rest of your pocket. Here’s how the savings break down:
Preventive: dental insurance plans usually cover 100% of the cost of preventive care, including annual checkups, bitewing x-rays, and routine cleanings.
Basic: Most insurance plans cover 80% of the cost of “basic services” without complications, such as fillings, simple extractions and some deep cleaning.
Major: The dental normally covers 50% of treatments such as root canals, crowns, bridges and dentures safe.
Simple truth? Yes, but also it has a factor in waiting periods, annual maximums copays, and oral health needs.
Other things to consider when searching for dental insurance.
Look at a plan’s annual spending maximum, the type of insurance plan, waiting period,
and what procedures the plan covers as well as how that coverage aligns with your dental care needs.
Does Dental Insurance Cover?
Replacement of missing teeth?
Dental insurance plan may not cover the cost for some treatments, no matter how long you wait – like replacing your missing tooth or teeth before buying a policy that is already underway. Look for the “missing teeth” clause (yes, that is what is usually called) when you are reviewing the details of the plan.
Most dental insurance plans do not cover elective procedures such as teeth whitening or porcelain coating.
Usually, there is no, because there is a cheaper way to recover the missing tooth. But some plans, such as Cigna Premium, do cover dental implants.
Some dental insurance plans do. But check out the annual limit lifetime coverage for orthodontics and ask your dentist / dentist for a cost estimate. You may be able to save more money on braces with dental savings plans.
DentalPlans.com average monthly premiums
Dental plans offered average anywhere from $20 a month to $50 a month for a policy covering a personal. Family policies or policies covering multiple people would be higher in cost.
The price and therefore the coverage will vary depending upon the state during which the policy is issued. this is where a web site, like DentalPlans.com can save you time and money.
DentalPlans.com doesn’t sell insurance, and it doesn’t offer a dental plan. What it offers is a chance to review plans available in your location and compare the price and coverage of every one to pick a dental plan that’s best for your needs and budget.
While there’s no charge to use DentalPlans.com to compare plans, if you select a plan using the site, you’ll pay a $15 one-time processing fee to have them handle setting you up with the particular plan.
Using them to set you up with a plan comes with three free months of coverage through whichever plan you decide on .
DentalPlans.com estimated average annual savings
DentalPlans.com offer savings to their customers by negotiating reduced rates for several of the foremost common services that people attend a dentist. Depending upon the plan an individual chooses, savings can range from 10 percent a year to 60 percent or more on services, like examinations and X-rays, cleanings, fillings, extractions, root canals, crowns and more.
The dental plans offer lists of the local dentists participating in the plan for a specific area.
DentalPlans.com Dental Savings Plans
DentalPlans.com gives you choices with over 30 dental savings plans and online plan comparisons and savings calculator tools to assist you to select the most effective choice to help pay for dental services.
While the company has members of all ages, the majority are from the age of 55 to over 65. the web site is simple to use, and once you register, you’ll print your dental plan card and see at a look what various procedures will cost.
DentalPlans.com features a lot of online resources to assist you to learn about all of their products, otherwise you can call the U.S.-based: DP AtYourService customer support team with questions.
Either way, you’ll receive information about Medicare, Medicaid, private dental insurance coverage, and therefore the benefits you’ll expect from the Affordable Care Act (ACA).
DentalPlans.com Plans and Costs
I compared the number of plans offered and therefore the average cost from several different cities known for access to excellent health care. counting on whether you’re buying for yourself or for your family, where you live and which plan you choose, the prices for DentalPlans.com’s offerings are low compared to traditional insurance.
Average Cost of Dental Savings Plans and Number of Plans Offered
|Minneapolis, MN||20||$63.96 – $143.96||20||$103.96 – $239.96|
|Madison, WI||15||$99.96 – $159.96||15||$143.96 – $239.96|
|Overland Park, KS||19||$63.96 – $159.96||19||$103.96 – $239.96|
|Raleigh, NC||20||$63.96 – $159.96||20||$103.96 – $239.96|
|San Francisco, CA||4||$124.95 – $154.95||4||$179.95 – $199.95|
|Honolulu, HI||20||$63.96 – $159.96||20||$143.96 – $239.96|
|Scottsdale, AZ||23||$63.96 – $159.96||23||$103.96 – $239.96|
|Salt Lake City, UT||18||$63.96 – $143.96||18||$103.96 – $239.96|
|Orlando, FL||21||$63.96 – $159.96||21||$103.96 – $239.96|
|Lincoln, NE||18||$63.96 – $159.96||18||$103.96 – $239.96|
How to use dental savings plans DentalPlans.com
There are not any surprises with dental costs because the rates are predetermined, so you know the value related to your care in advance. The savings range from 10 to 60 percent off dentist’s customary fees across the U.S.
To choose a plan on DentalPlans.com, click on Find a plan, then narrow your search by dentists in your area, savings, procedures or select a business plan. Alternatively, you’ll enter your postcode on the location to get a listing of plans or participating dentists.
Compare plans and make your selection, pay the annual fee, and within 72 hours your plan are going to be activated. Once activated, you’ll use your dental savings plan for even complex procedures, and there’s no waiting period.
When I tried the dental plan search on DentalPlans.com, I received options that cost from $79.99 to $199.99 per annum for an individual and $129.99 to $299.99 for a family. The list included a dental insurance policy with a monthly rate.
Unlike the dental savings plans, the insurance didn’t cover X-rays for 6 months from the date of purchase, and therefore the wait was 12 months for oral surgery, periodontics, endodontics, crown and cast restorations, and other procedures.
Sample Dental Plans and Savings
|Aetna Vital Dental Savings℠ Plus Rx||15% to 50%||Pharmacy, vision, hearing|
|Affordable Family Health Services||25% to 60%||Pharmacy, vision, chiropractic|
|American Dental Plan||10% to 60%||Dental only|
|Aon Dental Solutions Plan||15% to 50%||Dental only|
|Avia Dental Plan||20% to 70%||Pharmacy and vision|
|Careington Care 500 Series||20% to 60%||Pharmacy and vision|
|CIGNAPlus Savings||15% to 50%||Vision, hearing, chiropractic,
tobacco cessation, massage therapy
|CVS iSave||15% to 50%||Pharmacy, vision, hearing,
prepaid diagnostic imaging,
labs and more
|Dental Care Advantage||20% to 60%||Pharmacy, vision, hearing, chiropractic|
|:DP CompleteCare||15% to 50%||Online medical consultations,
Personal Health Advocate and more
|:DP SmartHealth||20% to 50%||Pharmacy, vision, hearing, emergency
medical travel assistance and more
|Patriot Plan Plus||10% to 50%||Pharmacy, vision, hearing, chiropractic|
|Preferred Network Access by CIGNA||10% to 60%||Dental only|
The combination of savings dental plan with DentalPlans.com insurance
If you’ve got dental insurance, you’ll be able to work along with your dentist to use benefits from both your insurance and a dental savings plan. While you can’t use a dental savings plan and submit an insured claim for a similar procedure, a dental savings plan may be used to reduce your out-of-pocket costs once you’ve got reached your deductible.
Dental insurance typically features a maximum annual coverage of $750 to $2,000; then the insured pays 100% of dental bills. using a dental savings plan with dental insurance will likely save you quite an little bit of money, especially if you’ve got a family or expect extensive dental procedures.
The reviews and ratings for DentalPlans.com are mostly positive. Personal finance author, financial adviser and television host Suze Orman personally recommends DentalPlans.com. the better Business Bureau rates the company with an A+ while TrustPilot ranks them an 8.3 out of 10 based on nearly 5,000 customer reviews. ConsumerAffairs rates DentalPlans.com a 4.3 out of 5 stars.
Of the few complaints we saw, most were about the customer’s preferred dentist not accepting dental plan cards.
DentalPlans.com offers savings on dental procedures for an annual fee that’s budget-friendly and has a vast number of plans to decide on from. The plans are easy to seek out if you enter your postal code on their website.
In comparison to actual insurance plans, DentalPlans.com has no spending limits, so despite how many procedures you need during a year, you’ll get a discount on all of them. Compared to other options out there, you get plenty of variety and value for your money.
While they claim to have over 100,000 dentists in their network, many have found that their dentists don’t actually accept the plans provided by DentalPlans.com so it’s important to see along with your dentist before fixing an appointment.
The enrollment fee of $20 is a little bit of a hidden fee, since it’s not mentioned on their website, and it’s non-refundable. Although you’ll switch plans, you can’t combine them or have more than one at a time which may be restrictive.
DentalPlans.com is a viable alternative to traditional dental insurance, but it works better if it’s taken as an extra plan once you go over the limit of your insurance.
Because the dentist list that accepts this kind of plan isn’t regularly updated, you’ll need to check before enrolling otherwise you could risk your $20 enrollment fee. Once you discover a dentist who is participating, you’ll get a 10th – 60% discount on a procedure, but this does differ for every dentist office, so confirm to see first.
Even if you’ve got excellent dental insurance, the probabilities are better than average that there’ll be some procedures in your future that your policy won’t cover.
Not only will a dental savings plan from DentalPlans.com help with those costs, but it’ll also offer you the flexibility to have more dental work done in one year. Maxing out your annual limit with dental insurance not means you can’t have dental work done until subsequent calendar year.
- Dental savings plans from DentalPlans.com cover what procedures?
Basic, preventive, restorative, orthodontics, cosmetic, dentures/implants and oral surgery are all generally discounted to some extent. the level of savings depends on your plan.
- Is there an annual limit on plans from DentalPlans.com?
No. Unlike traditional dental insurance, there’s no yearly limit on how much of a discount you’ll get.
- How do the payments work with dental savings plans?
Once you’ve got purchased your plan from DentalPlans.com, you pay the dentist directly at your appointment, but the fees are at a discounted rate.
- How do i do know which DentalPlan.com plan is correct for me?
When choosing a dental savings plan, there are a couple of considerations to make sure you’ll get the very best value out of your membership. look into the number of dental providers in your area, whether your current dentist is in-network, annual membership cost and whether you’d utilize any additional health savings offered by some of the plans.
- How do i do know if my dentist is in DentalPlans.com’s network?
You can visit DentalPlans.com and, under the “Look up Dentists in Your Area” page, type in your dentist’s name, postcode and dentist code (if you know it).